Debit Cards

We offer different levels of Visa Debit Cards to meet your specific needs (fees may apply):

The Classic Card has full ATM functionality with unlimited free Commerce ATM transactions, and can be used for purchases at merchants that accept Visa debit

The Gold Card offers free unlimited Commerce ATM transactions plus 3 free transactions at other banks’ ATMs each month, and can be used for purchases at merchants that accept Visa debit

The Platinum Card offers free unlimited Commerce ATM transactions plus 6 free transactions at other banks’ ATMs each month, and can be used for purchases at merchants that accept Visa debit

Is there a fee for my Visa Debit Card?

There is no fee for the Visa Classic Debit Card with any checking account. Visa Gold Debit Card, which includes 3 free ATM transactions at other banks’ ATMs each month, is free with CommerceOptionsSM checking accounts (other bank’s ATM fees may apply.) Visa Platinum Debit Card is free with a CommerceOptionsSM Premium account, and includes free ATMs anywhere in the U.S. (plus, we'll refund other banks' ATM fees up to $30.00 per calendar month.)

In addition to any ATM bearing the Visa logo, you can use your Visa Debit Card at any merchant that accepts Visa debit – millions of locations worldwide.

Moving

I’ve moved, how do I change my address?

Just stop by the branch with proof of your new address, such as a utility bill with your name on it or a signed and dated lease. Or, log into Online Banking and choose "CUSTOMER SERVICE". Then click on "Update Mailing Address" under "My Profile."

You can transfer funds easily through Online Banking, or set up a one-time or recurring automatic transfer – just give us a call at 800-453-2265.

How do I set up a recurring transfer?

In Online Banking, simply click on the “Transfer Funds” tab and select the amount, date and frequency of your recurring transfer.

How do I change my name on my account?

Stop by your nearest branch with a valid ID card and your Marriage Certificate or License. In the case of a name change resulting from divorce, bring your Decree of Dissolution of Marriage. In the event of other occurrences such as adoption, bring any official document that specifies the new name, such as a Court Order.

What information do I need to bring to Commerce Bank in order to open
an account?

You’ll need to bring two forms of identification (including a government –issued photo ID such as a driver’s license, passport or state ID card), employer name and phone number and proof of your address.

There is no charge to have Overdraft Services on your checking account. However, if you have an overdraft, your Commerce Bank credit card (subject to credit approval) will be charged a cash advance fee, as well as interest, on funds credited to your account to cover the overdraft. Funds will be credited to your Commerce Bank checking account in $50.00 increments.

Disclosures:

$3 monthly inactivity fee is charged after 60 days of inactivity. Avoid this fee by keeping your account active. Activity is defined as any transaction, such as a withdrawal, deposit, bill payment or ACH payment. An account inquiry, such as checking your balance in Online Banking or at ATM, is not a transaction and does not count as activity.

Fee of $2 per paper check you write that posts during your monthly statement period. Customer is also responsible for cost of check orders including shipping & handling. Avoid this fee by using Online Bill Pay and Visa Debit Card to make your payments.

Must activate Online Banking and sign up for E-Statements to get free monthly statements; fees for paper statements are $1 per month for Check Safekeeping statements or you may choose Check Image statements for $2 per month.

The person listed first on the account must maintain a combined balance of $1,500 in Commerce checking, savings and money market accounts (qualifying balances are determined by using the actual daily balance on the day prior to the checking account statement cycle)

To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.